Home > Citizens Bank of Texas > Income and Expense
Citizens Bank of Texas, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,685,000 | 4,240 |
| Total interest expense | $1,059,000 | 5,215 |
| Net interest income | $3,626,000 | 3,798 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $911,000 | 3,338 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $778,000 | 1,657 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $133,000 | 5,568 |
| Total noninterest expense | $3,301,000 | 3,404 |
| Salaries and employee benefits | $1,600,000 | 3,713 |
| Premises and equipment expense | $419,000 | 3,722 |
| Additional noninterest expense | $1,282,000 | 2,732 |
| Pre-tax net operating income | $1,101,000 | 4,305 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $376,000 | 3,514 |
| Income before extraordinary items | $725,000 | 4,894 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $725,000 | 4,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,373 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $725,000 | 4,698 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,046,000 | 4,345 |
| Total interest expense | $734,000 | 5,191 |
| Net interest income | $2,312,000 | 3,944 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $632,000 | 3,222 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $525,000 | 1,611 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $107,000 | 5,211 |
| Total noninterest expense | $2,215,000 | 3,375 |
| Salaries and employee benefits | $1,088,000 | 3,643 |
| Premises and equipment expense | $281,000 | 3,689 |
| Additional noninterest expense | $846,000 | 2,745 |
| Pre-tax net operating income | $639,000 | 4,662 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $218,000 | 3,797 |
| Income before extraordinary items | $421,000 | 5,269 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $421,000 | 5,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,664 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $421,000 | 5,069 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,498,000 | 4,427 |
| Total interest expense | $402,000 | 5,022 |
| Net interest income | $1,096,000 | 4,109 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $339,000 | 2,974 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $265,000 | 1,559 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $74,000 | 4,499 |
| Total noninterest expense | $1,095,000 | 3,405 |
| Salaries and employee benefits | $551,000 | 3,597 |
| Premises and equipment expense | $139,000 | 3,718 |
| Additional noninterest expense | $405,000 | 2,829 |
| Pre-tax net operating income | $295,000 | 4,832 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $100,000 | 3,933 |
| Income before extraordinary items | $195,000 | 5,397 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $195,000 | 5,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $195,000 | 5,203 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,711,000 | 4,196 |
| Total interest expense | $2,387,000 | 4,251 |
| Net interest income | $4,324,000 | 4,112 |
| Provision for loan and lease losses | $1,520,000 | 936 |
| Total noninterest income | $1,146,000 | 3,165 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,016,000 | 1,589 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $130,000 | 5,899 |
| Total noninterest expense | $8,408,000 | 1,803 |
| Salaries and employee benefits | $2,020,000 | 3,706 |
| Premises and equipment expense | $533,000 | 3,756 |
| Additional noninterest expense | $5,855,000 | 851 |
| Pre-tax net operating income | $-4,458,000 | 9,310 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-1,514,000 | 9,312 |
| Income before extraordinary items | $-2,944,000 | 9,308 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-2,944,000 | 9,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,243,000 | 796 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-2,944,000 | 9,287 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,305,000 | 3,895 |
| Total interest expense | $2,945,000 | 4,798 |
| Net interest income | $5,360,000 | 3,246 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $1,140,000 | 3,034 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $986,000 | 1,500 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $154,000 | 5,501 |
| Total noninterest expense | $4,595,000 | 3,033 |
| Salaries and employee benefits | $2,114,000 | 3,431 |
| Premises and equipment expense | $570,000 | 3,520 |
| Additional noninterest expense | $1,911,000 | 2,336 |
| Pre-tax net operating income | $1,905,000 | 3,292 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $874,000 | 2,288 |
| Income before extraordinary items | $1,031,000 | 4,206 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,031,000 | 4,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 9,220 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,031,000 | 4,090 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,338,000 | 3,990 |
| Total interest expense | $2,428,000 | 5,660 |
| Net interest income | $5,910,000 | 2,993 |
| Provision for loan and lease losses | $700,000 | 1,410 |
| Total noninterest income | $1,084,000 | 2,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $897,000 | 1,526 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $187,000 | 4,940 |
| Total noninterest expense | $4,815,000 | 2,811 |
| Salaries and employee benefits | $2,290,000 | 3,071 |
| Premises and equipment expense | $549,000 | 3,520 |
| Additional noninterest expense | $1,976,000 | 2,190 |
| Pre-tax net operating income | $1,479,000 | 4,105 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $708,000 | 2,754 |
| Income before extraordinary items | $771,000 | 5,151 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $771,000 | 5,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 1,950 |
| Cash dividends | $253,000 | 4,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $771,000 | 5,146 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,189,000 | 4,844 |
| Total interest expense | $1,828,000 | 6,299 |
| Net interest income | $4,361,000 | 3,887 |
| Provision for loan and lease losses | $486,000 | 1,807 |
| Total noninterest income | $743,000 | 3,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $638,000 | 2,084 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 6,517 |
| Total noninterest expense | $3,912,000 | 3,381 |
| Salaries and employee benefits | $1,813,000 | 3,724 |
| Premises and equipment expense | $449,000 | 4,131 |
| Additional noninterest expense | $1,650,000 | 2,617 |
| Pre-tax net operating income | $706,000 | 6,297 |
| Securities gains (losses) | $-110,000 | 9,973 |
| Applicable income taxes | $395,000 | 4,207 |
| Income before extraordinary items | $201,000 | 8,305 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $201,000 | 8,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $406,000 | 1,445 |
| Cash dividends | $50,000 | 6,588 |
| Sale, conversion, retirement of capital stock, net | $9,909,000 | 80 |
| Net operating income | $271,400 | 7,762 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,750,000 | 4,524 |
| Total interest expense | $2,176,000 | 5,878 |
| Net interest income | $4,574,000 | 3,678 |
| Provision for loan and lease losses | $316,000 | 2,493 |
| Total noninterest income | $742,000 | 3,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $649,000 | 1,974 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,799 |
| Total noninterest expense | $3,364,000 | 3,733 |
| Salaries and employee benefits | $1,810,000 | 3,650 |
| Premises and equipment expense | $606,000 | 3,136 |
| Additional noninterest expense | $948,000 | 4,132 |
| Pre-tax net operating income | $1,636,000 | 3,926 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $542,000 | 3,650 |
| Income before extraordinary items | $1,106,000 | 4,164 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,106,000 | 4,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,509 |
| Cash dividends | $518,000 | 3,432 |
| Sale, conversion, retirement of capital stock, net | $1,050,000 | 457 |
| Net operating income | $1,097,960 | 4,105 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,871,000 | 5,152 |
| Total interest expense | $1,914,000 | 6,437 |
| Net interest income | $3,957,000 | 4,276 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $853,000 | 3,422 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $763,000 | 1,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,074 |
| Total noninterest expense | $3,232,000 | 3,864 |
| Salaries and employee benefits | $1,642,000 | 3,940 |
| Premises and equipment expense | $560,000 | 3,360 |
| Additional noninterest expense | $1,030,000 | 3,795 |
| Pre-tax net operating income | $1,398,000 | 4,727 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $508,000 | 4,170 |
| Income before extraordinary items | $890,000 | 5,088 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $890,000 | 5,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,752 |
| Cash dividends | $411,000 | 3,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $890,000 | 5,035 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,225,000 | 5,753 |
| Total interest expense | $1,689,000 | 7,111 |
| Net interest income | $3,536,000 | 4,788 |
| Provision for loan and lease losses | $109,000 | 4,905 |
| Total noninterest income | $736,000 | 3,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $653,000 | 2,063 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,649 |
| Total noninterest expense | $2,925,000 | 4,382 |
| Salaries and employee benefits | $1,501,000 | 4,299 |
| Premises and equipment expense | $461,000 | 4,038 |
| Additional noninterest expense | $963,000 | 4,547 |
| Pre-tax net operating income | $1,238,000 | 5,022 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $436,000 | 4,616 |
| Income before extraordinary items | $802,000 | 5,300 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $802,000 | 5,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,157 |
| Cash dividends | $504,000 | 3,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $802,000 | 5,232 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,014,000 | 5,974 |
| Total interest expense | $1,562,000 | 7,526 |
| Net interest income | $3,452,000 | 4,924 |
| Provision for loan and lease losses | $110,000 | 4,388 |
| Total noninterest income | $656,000 | 4,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $585,000 | 2,316 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,310 |
| Total noninterest expense | $2,625,000 | 4,790 |
| Salaries and employee benefits | $1,349,000 | 4,717 |
| Premises and equipment expense | $347,000 | 5,054 |
| Additional noninterest expense | $929,000 | 4,632 |
| Pre-tax net operating income | $1,373,000 | 4,768 |
| Securities gains (losses) | $56,000 | 1,233 |
| Applicable income taxes | $426,000 | 4,727 |
| Income before extraordinary items | $1,003,000 | 4,614 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,003,000 | 4,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,953 |
| Cash dividends | $129,000 | 6,359 |
| Sale, conversion, retirement of capital stock, net | $450,000 | 390 |
| Net operating income | $963,800 | 4,726 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,063,000 | 6,615 |
| Total interest expense | $1,083,000 | 8,345 |
| Net interest income | $2,980,000 | 5,636 |
| Provision for loan and lease losses | $54,000 | 5,980 |
| Total noninterest income | $642,000 | 4,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $569,000 | 2,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,528 |
| Total noninterest expense | $2,321,000 | 5,503 |
| Salaries and employee benefits | $1,036,000 | 5,919 |
| Premises and equipment expense | $311,000 | 5,548 |
| Additional noninterest expense | $974,000 | 4,816 |
| Pre-tax net operating income | $1,247,000 | 5,091 |
| Securities gains (losses) | $-44,000 | 10,934 |
| Applicable income taxes | $402,000 | 4,746 |
| Income before extraordinary items | $801,000 | 5,368 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $801,000 | 5,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,750 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $830,480 | 5,268 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,123,000 | 8,135 |
| Total interest expense | $896,000 | 9,569 |
| Net interest income | $2,227,000 | 7,100 |
| Provision for loan and lease losses | $102,000 | 5,694 |
| Total noninterest income | $490,000 | 5,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $395,000 | 3,479 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 8,045 |
| Total noninterest expense | $1,988,000 | 6,365 |
| Salaries and employee benefits | $895,000 | 6,742 |
| Premises and equipment expense | $294,000 | 5,963 |
| Additional noninterest expense | $799,000 | 5,934 |
| Pre-tax net operating income | $627,000 | 7,764 |
| Securities gains (losses) | $126,000 | 2,189 |
| Applicable income taxes | $268,000 | 6,519 |
| Income before extraordinary items | $485,000 | 7,674 |
| Extraordinary gains, net | $268,000 | 789 |
| Net income | $753,000 | 5,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 4,468 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 852 |
| Net operating income | $404,360 | 8,108 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,756,000 | 9,423 |
| Total interest expense | $964,000 | 10,562 |
| Net interest income | $1,792,000 | 8,370 |
| Provision for loan and lease losses | $244,000 | 4,650 |
| Total noninterest income | $419,000 | 6,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $275,000 | 4,756 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 6,792 |
| Total noninterest expense | $1,687,000 | 7,293 |
| Salaries and employee benefits | $763,000 | 7,518 |
| Premises and equipment expense | $291,000 | 6,103 |
| Additional noninterest expense | $633,000 | 7,232 |
| Pre-tax net operating income | $280,000 | 10,340 |
| Securities gains (losses) | $24,000 | 5,342 |
| Applicable income taxes | $102,000 | 9,861 |
| Income before extraordinary items | $202,000 | 10,570 |
| Extraordinary gains, net | $102,000 | 734 |
| Net income | $304,000 | 9,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 3,660 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $186,160 | 10,452 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.